FOND DU LAC Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Fond Du Lac averaged
6.58%
for the week of 2025-06-18, compared to the national average of
6.81% for the same period.
The average rate for the prior week (2025-06-12) was
7.01% and
one month ago for the week of 2025-05-15, the
average rate was 6.88%.
Fond Du Lac's average rate one year ago was 6.92%.
For refis of the same type during the week of 2025-06-18, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-06-18 | 6.81% |
| Fond Du Lac 30 Year Fixed Rate | 2025-06-18 | 6.58% |
| Fond Du Lac 30 Year Fixed Rate Refi | 2025-06-18 | 6.67% |
| Fond Du Lac 15 Year Fixed Rate | 2025-06-18 | 6.16% |
| Fond Du Lac 15 Year Fixed Rate Refi | 2025-06-18 | 5.86% |
| Fond Du Lac 30 Year FHA | 2025-06-18 | 0.17% |
| Fond Du Lac 30 Year FHA Refi | 2025-06-18 | -0.1% |
| Fond Du Lac 30 Year USDA | 2025-06-18 | 0.1% |
| Fond Du Lac 30 Year USDA Refi | 2025-06-18 | -0.1% |
| Fond Du Lac 30 Year VA | 2025-06-18 | 0.1% |
| Fond Du Lac 30 Year VA Refi | 2025-06-18 | -0.1% |
FOND DU LAC Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the FOND DU LAC, WI market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
FOND DU LAC Average Closing Costs & Other Stats
FOND DU LAC, WI's 108 lenders originated 2,357
loans during 2024. The total origination value was $496,205,000, with an average loan value of
$210,524.
FOND DU LAC's average closing costs are $3,095.
The top FOND DU LAC lender as defined by loan originations is National Exchange Bank and Trust, with
102 loans originated. Their average total fees are
$1,866, which is $1,060
lower than the next largest lender,
U.S. Bank.
The lowest fee FOND DU LAC lenders (with over 10 loans originated) are
Horicon Bank ($1,836), National Exchange Bank and Trust ($1,866), Associated Bank ($2,310), Bank First, N.A. ($2,405) and Landmark Credit Union ($2,413).
The lowest rate FOND DU LAC lenders (with over 10 loans originated) are
Community First Credit Union (6.22%), University of Wisconsin Credit Union (6.32%), National Exchange Bank and Trust (6.41%), Landmark Credit Union (6.44%) and Prosperity Home Mortgage, LLC (6.51%).
FOND DU LAC, WI Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| Community First Credit Union | $4,590,000 | $46,030,000 | 902.8% | 9.3% |
| National Exchange Bank and Trust | $51,010,000 | $43,025,000 | -15.7% | 8.7% |
| PGIM Real Estate Finance, LLC | $35,645,000 | n/a | 7.2% | |
| U.S. Bank | $20,555,000 | $23,270,000 | 13.2% | 4.7% |
| Associated Bank | $14,075,000 | $19,620,000 | 39.4% | 4.0% |
| Bank First, N.A. | $22,015,000 | $17,310,000 | -21.4% | 3.5% |
| Fox Valley Savings Bank | $10,935,000 | $14,205,000 | 29.9% | 2.9% |
| QUICKEN LOANS, LLC | $7,095,000 | $13,755,000 | 93.9% | 2.8% |
| VERVE, A CREDIT UNION | $7,640,000 | $13,635,000 | 78.5% | 2.7% |
| Horicon Bank | $17,905,000 | $13,570,000 | -24.2% | 2.7% |
| GUILD MORTGAGE COMPANY | $1,665,000 | $12,140,000 | 629.1% | 2.4% |
| Summit Credit Union | $10,425,000 | $12,140,000 | 16.5% | 2.4% |
| CoVantage Credit Union | $1,740,000 | $11,230,000 | 545.4% | 2.3% |
| University of Wisconsin Credit Union | $5,085,000 | $9,080,000 | 78.6% | 1.8% |
| Landmark Credit Union | $11,735,000 | $9,055,000 | -22.8% | 1.8% |
| Mortgage Research Center, LLC | $5,375,000 | $8,580,000 | 59.6% | 1.7% |
| COMPEER FINANCIAL, FLCA | $5,085,000 | $8,535,000 | 67.8% | 1.7% |
| MARINE | $9,540,000 | $8,045,000 | -15.7% | 1.6% |
| BMO Harris Bank | $4,795,000 | $7,585,000 | 58.2% | 1.5% |
| WALKER & DUNLOP, LLC | $1,695,000 | $6,405,000 | 277.9% | 1.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $4,470,000 | $6,300,000 | 40.9% | 1.3% |
| SUCCESS MORTGAGE PARTNERS, INC. | $6,195,000 | $6,280,000 | 1.4% | 1.3% |
| NEWREZ LLC | $5,520,000 | $6,220,000 | 12.7% | 1.3% |
| Nicolet National Bank | $960,000 | $5,805,000 | 504.7% | 1.2% |
| JPMorgan Chase Bank | $2,910,000 | $4,260,000 | 46.4% | 0.9% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $3,620,000 | $4,130,000 | 14.1% | 0.8% |
| CARDINAL FINANCIAL | $4,015,000 | $4,035,000 | 0.5% | 0.8% |
| FREEDOM MORTGAGE CORPORATION | $1,390,000 | $3,755,000 | 170.1% | 0.8% |
| West Pointe Bank | $1,595,000 | $3,725,000 | 133.5% | 0.8% |
| Prosperity Home Mortgage, LLC | $2,490,000 | $3,685,000 | 48.0% | 0.7% |
| Fortifi Bank | $3,635,000 | $3,305,000 | -9.1% | 0.7% |
| Bell Bank | $1,650,000 | $3,205,000 | 94.2% | 0.6% |
| PENNYMAC LOAN SERVICES, LLC | $590,000 | $3,155,000 | 434.7% | 0.6% |
| Johnson Bank | $2,090,000 | $3,000,000 | 43.5% | 0.6% |
| CMG MORTGAGE, INC. | $1,575,000 | $2,720,000 | 72.7% | 0.5% |
| WaterStone Bank, SSB | $2,700,000 | n/a | 0.5% | |
| LOANDEPOT.COM, LLC | $1,700,000 | $2,620,000 | 54.1% | 0.5% |
| Bank Five Nine | $770,000 | $2,490,000 | 223.4% | 0.5% |
| GUARANTEED RATE, INC. | $1,160,000 | $2,415,000 | 108.2% | 0.5% |
| FIRST COLONY MORTGAGE CORPORATION | $2,315,000 | n/a | 0.5% | |
| Wells Fargo Bank | $2,110,000 | $2,290,000 | 8.5% | 0.5% |
| MOVEMENT MORTGAGE, LLC | $2,555,000 | $2,240,000 | -12.3% | 0.5% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $660,000 | $2,220,000 | 236.4% | 0.4% |
| Nations Lending Corporation | $1,090,000 | $2,205,000 | 102.3% | 0.4% |
| FOX COMMUNITIES | $1,840,000 | $1,860,000 | 1.1% | 0.4% |
| NAVY FEDERAL CREDIT UNION | $690,000 | $1,835,000 | 165.9% | 0.4% |
| USAA Federal Savings Bank | $880,000 | $1,815,000 | 106.3% | 0.4% |
| CROSSCOUNTRY MORTGAGE, LLC | $1,595,000 | $1,780,000 | 11.6% | 0.4% |
| First Federal Bank | $1,270,000 | $1,750,000 | 37.8% | 0.4% |
| FOND DU LAC | $1,800,000 | $1,745,000 | -3.1% | 0.4% |
| Bristol Morgan Bank | $3,195,000 | $1,675,000 | -47.6% | 0.3% |
| TRIAD FINANCIAL SERVICES, INC. | $935,000 | $1,560,000 | 66.8% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,845,000 | $1,525,000 | -17.3% | 0.3% |
| BROKER SOLUTIONS, INC. | $1,150,000 | $1,460,000 | 27.0% | 0.3% |
| Home State Bank | $1,460,000 | n/a | 0.3% | |
| CAPITAL Credit Union | $605,000 | $1,445,000 | 138.8% | 0.3% |
| The Huntington National Bank | $1,060,000 | $1,260,000 | 18.9% | 0.3% |
| Old National Bank | $895,000 | $1,200,000 | 34.1% | 0.2% |
| Glacier Hills Credit Union | $890,000 | $1,190,000 | 33.7% | 0.2% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $1,335,000 | $1,120,000 | -16.1% | 0.2% |
| GUARANTEED RATE AFFINITY, LLC | $780,000 | $1,110,000 | 42.3% | 0.2% |
| CIBM Bank | $665,000 | $1,060,000 | 59.4% | 0.2% |
| AmeriHome Mortgage Company, LLC | $1,045,000 | n/a | 0.2% | |
| A + MORTGAGE SERVICES, INC. | $975,000 | $1,015,000 | 4.1% | 0.2% |
| GreenStone Farm Credit Services, FLCA | $345,000 | $995,000 | 188.4% | 0.2% |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | $990,000 | n/a | 0.2% | |
| Kohler Credit Union | $845,000 | $955,000 | 13.0% | 0.2% |
| Flagstar Bank, FSB | $1,145,000 | $920,000 | -19.7% | 0.2% |
| PLANET HOME LENDING, LLC | $25,000 | $920,000 | 3,580.0% | 0.2% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $225,000 | $910,000 | 304.4% | 0.2% |
| ENVOY MORTGAGE, LTD | $185,000 | $905,000 | 389.2% | 0.2% |
| UNION HOME MORTGAGE CORP. | $410,000 | $905,000 | 120.7% | 0.2% |
| HOMESIDE FINANCIAL, LLC | $575,000 | $890,000 | 54.8% | 0.2% |
| Cleveland State Bank | $460,000 | $885,000 | 92.4% | 0.2% |
| NATIONS RELIABLE LENDING, LLC | $360,000 | $885,000 | 145.8% | 0.2% |
| NexBank | $920,000 | $880,000 | -4.3% | 0.2% |
| Servion, Inc. | $380,000 | $880,000 | 131.6% | 0.2% |
| THOMPSON KANE & COMPANY, LLC | $915,000 | $865,000 | -5.5% | 0.2% |
| BLC Community Bank | $845,000 | n/a | 0.2% | |
| Waterstone Mortgage Corporation | $1,240,000 | $815,000 | -34.3% | 0.2% |
| WISCONSIN MORTGAGE CORPORATION | $715,000 | $805,000 | 12.6% | 0.2% |
| The Federal Savings Bank | $510,000 | $800,000 | 56.9% | 0.2% |
| Westbury Bank | $1,495,000 | $800,000 | -46.5% | 0.2% |
| Farmers and Merchants Union Bank | $760,000 | n/a | 0.2% | |
| GSF Mortgage Corporation | $765,000 | $750,000 | -2.0% | 0.2% |
| North Shore Bank FSB | $115,000 | $735,000 | 539.1% | 0.1% |
| Bank of England | $505,000 | $730,000 | 44.6% | 0.1% |
| Century Mortgage Company DBA Century Lending Company | $145,000 | $705,000 | 386.2% | 0.1% |
| AMERICAN FINANCIAL NETWORK, INC. | $225,000 | $695,000 | 208.9% | 0.1% |
| Discover Bank | $325,000 | $690,000 | 112.3% | 0.1% |
| Carrington Mortgage Services, LLC | $1,075,000 | $680,000 | -36.7% | 0.1% |
| VILLAGE CAPITAL MORTGAGE | $655,000 | n/a | 0.1% | |
| Collins State Bank | $260,000 | $635,000 | 144.2% | 0.1% |
| Oostburg State Bank | $510,000 | $635,000 | 24.5% | 0.1% |
| NEW DAY FINANCIAL, LLC | $1,150,000 | $620,000 | -46.1% | 0.1% |
| Deere Employees Credit Union | $270,000 | $575,000 | 113.0% | 0.1% |
| Paramount Residential Mortgage Group, Inc. | $530,000 | $565,000 | 6.6% | 0.1% |
| EDUCATORS CREDIT UNION | $2,000,000 | $555,000 | -72.3% | 0.1% |
| Peoples State Bank | $145,000 | $540,000 | 272.4% | 0.1% |
| Bankers' Bank | $900,000 | $520,000 | -42.2% | 0.1% |
| Equity Prime Mortgage LLC | $235,000 | $520,000 | 121.3% | 0.1% |
| PLAZA HOME MORTGAGE, INC. | $285,000 | $515,000 | 80.7% | 0.1% |
| S1L, Inc. | $505,000 | n/a | 0.1% | |
| Marathon Bank | $495,000 | n/a | 0.1% | |
| The Equitable Bank, S.S.B. | $495,000 | n/a | 0.1% | |
| Barrington Bank & Trust Company, N.A. | $435,000 | $490,000 | 12.6% | 0.1% |
| Premier Community Bank | $1,335,000 | $475,000 | -64.4% | 0.1% |
| ZILLOW HOME LOANS, LLC | $475,000 | n/a | 0.1% | |
| Northpointe Bank | $455,000 | n/a | 0.1% | |
| PremierBank | $440,000 | n/a | 0.1% | |
| LAKEVIEW LOAN SERVICING, LLC | $430,000 | n/a | 0.1% | |
| TOWNE MORTGAGE COMPANY | $745,000 | $415,000 | -44.3% | 0.1% |
| The Loan Store, Inc. | $410,000 | n/a | 0.1% | |
| Peoples Bank | $400,000 | n/a | 0.1% | |
| University Bank | $390,000 | n/a | 0.1% | |
| State Bank of Chilton | $560,000 | $375,000 | -33.0% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $440,000 | $370,000 | -15.9% | 0.1% |
| Waukesha State Bank | $215,000 | $370,000 | 72.1% | 0.1% |
| Royal Credit Union | $120,000 | $360,000 | 200.0% | 0.1% |
| Wolfe Financial, Inc | $175,000 | $355,000 | 102.9% | 0.1% |
| Waldo State Bank | $55,000 | $335,000 | 509.1% | 0.1% |
| T2 FINANCIAL LLC | $95,000 | $325,000 | 242.1% | 0.1% |
| WINGS FINANCIAL | $615,000 | $315,000 | -48.8% | 0.1% |
| Magnolia Bank | $305,000 | n/a | 0.1% | |
| First National Bank of Omaha | $295,000 | n/a | 0.1% | |
| MEMBER FIRST MORTGAGE, LLC | $295,000 | n/a | 0.1% | |
| NMSI, INC. | $295,000 | n/a | 0.1% | |
| Citizens Bank | $290,000 | n/a | 0.1% | |
| AMERICAN HERITAGE LENDING, INC. | $260,000 | n/a | 0.1% | |
| Figure Lending LLC | $115,000 | $260,000 | 126.1% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $260,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,235,000 | $245,000 | -80.2% | 0.0% |
| The Port Washington State Bank | $565,000 | $235,000 | -58.4% | 0.0% |
| Wolf River Community Bank | $230,000 | n/a | 0.0% | |
| Centier Bank | $80,000 | $225,000 | 181.3% | 0.0% |
| The First National Bank and Trust Company | $225,000 | n/a | 0.0% | |
| PNC Bank | $290,000 | $215,000 | -25.9% | 0.0% |
| BAYSHORE MORTGAGE FUNDING, LLC | $195,000 | n/a | 0.0% | |
| Coastal Community Bank | $70,000 | $190,000 | 171.4% | 0.0% |
| FIRST INTEGRITY MORTGAGE SERVICES, INC. | $185,000 | n/a | 0.0% | |
| MICHIGAN MUTUAL, INC. | $185,000 | n/a | 0.0% | |
| State Bank of Cross Plains | $810,000 | $185,000 | -77.2% | 0.0% |
| WESTconsin Credit Union | $185,000 | n/a | 0.0% | |
| Cloverbelt Credit Union | $175,000 | n/a | 0.0% | |
| Notre Dame Federal Credit Union Corporation | $175,000 | n/a | 0.0% | |
| RUOFF MORTGAGE COMPANY, INC. | $175,000 | n/a | 0.0% | |
| TJC Mortgage, Inc. | $175,000 | n/a | 0.0% | |
| TRUSTONE FINANCIAL FEDERAL CREDIT UNION | $85,000 | $175,000 | 105.9% | 0.0% |
| Fifth Third Bank | $165,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $125,000 | $165,000 | 32.0% | 0.0% |
| AMERICAN FINANCING CORPORATION | $155,000 | n/a | 0.0% | |
| Citizens State Bank of La Crosse | $1,115,000 | $155,000 | -86.1% | 0.0% |
| Farmers & Merchants State Bank | $155,000 | n/a | 0.0% | |
| SUN WEST MORTGAGE COMPANY, INC. | $285,000 | $155,000 | -45.6% | 0.0% |
| The Park Bank | $155,000 | n/a | 0.0% | |
| SPRING EQ, LLC | $35,000 | $150,000 | 328.6% | 0.0% |
| First American Bank | $100,000 | $140,000 | 40.0% | 0.0% |
| Flanagan State Bank | $135,000 | n/a | 0.0% | |
| MidAmerica National Bank | $135,000 | n/a | 0.0% | |
| CHURCHILL MORTGAGE CORPORATION | $215,000 | $130,000 | -39.5% | 0.0% |
| Bank of Deerfield | $125,000 | n/a | 0.0% | |
| DAS Acquisition Company, LLC | $195,000 | $125,000 | -35.9% | 0.0% |
| MID AMERICA MORTGAGE, INC. | $125,000 | n/a | 0.0% | |
| Great Midwest Bank, S.S.B. | $300,000 | $115,000 | -61.7% | 0.0% |
| BETTER MORTGAGE CORPORATION | $105,000 | n/a | 0.0% | |
| HOMEXPRESS MORTGAGE CORP. | $105,000 | n/a | 0.0% | |
| INB | $105,000 | n/a | 0.0% | |
| LENDINGHOME FUNDING CORPORATION | $105,000 | n/a | 0.0% | |
| Ally Bank | $705,000 | $95,000 | -86.5% | 0.0% |
| FINANCE OF AMERICA REVERSE LLC | $95,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $105,000 | $95,000 | -9.5% | 0.0% |
| Blackhawk Community Credit Union | $85,000 | n/a | 0.0% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $55,000 | $80,000 | 45.5% | 0.0% |
| American National Bank - Fox Cities | $75,000 | n/a | 0.0% | |
| Service Federal Credit Union | $75,000 | n/a | 0.0% | |
| ALLIANT CREDIT UNION | $55,000 | n/a | 0.0% | |
| M&T Bank | $55,000 | n/a | 0.0% | |
| Guardian Credit Union | $35,000 | n/a | 0.0% | |
| Tri City National Bank | $25,000 | n/a | 0.0% |
FOND DU LAC's top lender by overall market share is Community First Credit Union, with 9.3% market share. In second place, with 8.7%, is National Exchange Bank and Trust, having originated $43,025,000 in loans. In third place, with 7.2%, is PGIM Real Estate Finance, LLC, having originated $35,645,000 in loans. In fourth place, with 4.7%, is U.S. Bank, having originated $23,270,000 in loans. In fifth place, with 4.0%, is Associated Bank, having originated $19,620,000 in loans.
FOND DU LAC, WI Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,169 | $304,075,000 | $260,115 |
| Cash Out Refi | 407 | $89,885,000 | $220,848 |
| Home Improvement | 279 | $30,055,000 | $107,724 |
| Refi | 270 | $56,260,000 | $208,370 |
| Other | 232 | $15,930,000 | $68,664 |
Fond Du Lac's most frequently cited loan purpose was Home Purchase, with 1,169 originations. The 2nd most popular reason was Cash Out Refi, with 407 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 836 | $195,220,000 | $233,517 |
| Over 8% | 550 | $42,880,000 | $77,964 |
| 7-8% | 517 | $86,985,000 | $168,250 |
| 5-6% | 240 | $92,480,000 | $385,333 |
| <2.5% | 44 | $2,980,000 | $67,727 |
| 4-5% | 11 | $1,765,000 | $160,455 |
| 2.5-3% | 2 | $440,000 | $220,000 |
| 3-4% | 1 | $40,005,000 | $40,005,000 |
During 2024, Fond Du Lac's most frequently originated rate bucket was 6-7%, with 836 originations.
Loan Sizing (FOND DU LAC, WI MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 848 | $43,670,000 | $51,498 |
| $100k-200k | 742 | $111,790,000 | $150,660 |
| $200k-400k | 634 | $171,390,000 | $270,331 |
| $400k-600k | 98 | $45,620,000 | $465,510 |
| $600k-1000k | 23 | $16,075,000 | $698,913 |
| $Over $1MM | 12 | $107,660,000 | $8,971,667 |
FOND DU LAC's loan sizing saw the bucket of loans from $100,000 or less with 848 originations, totaling $43,670,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 720 | $166,160,000 | $230,778 |
| 60-80% | 424 | $114,020,000 | $268,915 |
| 20-40% | 405 | $46,125,000 | $113,889 |
| Under 20% | 390 | $51,270,000 | $131,462 |
| 40-60% | 206 | $73,120,000 | $354,951 |
| Over 100% | 19 | $6,445,000 | $339,211 |
FOND DU LAC's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 720 originations, totaling $166,160,000 in origination value.